Fern, is this true on all cruise lines? We recently cruised on HAL, first time since they changed their tipping policy (which I personally did not like). We left the tip charge on the shipboard account but our cabin steward was so good we HAD to give him a generous extra tip. Did he not get to keep that?

If you left the auto tip in place then any extra you gave they get to keep it. I don't think the photographer has to report tips.
The specialty dining room fee usually includes the tip so they should keep the extra.
always check with the Purser onboard if you are in doubt.
Each cruiseline is different